Payment Simplified
Florida Merchant Services is the premier credit card processing company in the state of Florida. Over the years, our peerless team has helped thousands of small business owners save millions of dollars in extraneous fees. Our strategic and custom-made merchant service solutions provide our valued clients with end-to-end payments, data, and financial management. We are the only financial technology company in Florida that can help you realize your full potential and achieve your business goals. As a neighborly and globally-minded company, we provide our clients with support in not only English but also Spanish and Mandarin. Contact us today and let our experience get to work for you!
NO MORE CONTRACTS
Say goodbye to hidden fees and penalties for closing your account. Return your equipment, and that's that!
NEXT DAY DEPOSITS
Don't wait to get your money! All of your deposits are posted by 7 PM the next day, so your money is ready to go.
FREE LOANER EQUIPMENT
Forget the expensive equipment and save big! Free standard equipment on loan for the duration of your service.
LOWEST RATE PROCESSING
We make it our business to make sure your business is paying as little as possible in fees!
SOLUTIONS DESIGNED FOR YOUR BUSINESS
With Florida Merchant Services, you get the reach and scale of a large merchant services provider with the personal touch of a local business. Our clients are our neighbors, so we eat at their restaurants, contract them for home projects, and stay in touch with what’s going on in their lives.
With assistance available in English, Spanish, and Mandarin, we make ourselves available to everyone in our community. Contact us today, and see the difference that a company with national reach and hometown sensibilities can make.
Locally Owned and Operated
When your business has an issue with payment processing, you need access to real people who know you and your business, not 800 numbers and robot directories. When you need us, we are always available to give you swift, effective assistance with a human touch from the very same people who live and work in your community.
When Time is Money
Fast, Simple Setup
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Choose your equipment.
Easy terms with no hidden fees.
Responsive customer service.
3 Common Disputes and How to Prevent Them
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Our Partners
Looking for top-notch IT solutions to safeguard and optimize your business in Central & Southwest Florida? Look no further than Computer Screen Investigators! With over a decade of experience, founder Nicholas Barraco's expertise and passion for IT have driven the company to provide exceptional managed services and cybersecurity solutions. Whether you're a small business owner or a medium-sized enterprise, Computer Screen Investigators offers comprehensive IT support, from proactive monitoring and data compliance to expert cybersecurity solutions. Worried about cyber threats? Their "Hacker-Proof Site Assessment" provides a free analysis of your security vulnerabilities, helping you understand and fortify your systems against potential breaches. With a dedicated team of certified professionals and an array of industry certifications under their belt, including PCI QIR, Net+, A+, Security+, Cloud+, Linux+, and more, Computer Screen Investigators is your trusted partner for all your IT needs.
LIFE Outreach International, driven by its Christian faith, is fervently committed to sharing God's love through both words and deeds. With a multitude of transformative initiatives, from the Christmas Shoe Project's joyful gift of new shoes to corrective surgeries through Christmas Smiles, LIFE's efforts radiate hope and healing. Through programs like Water for LIFE and Mission Feeding, they provide essential resources to communities worldwide, while Mission:RescueLIFE fights against human trafficking. Crisis Relief aids disaster-stricken regions, and evangelism spreads the message of salvation. Anchored by the impactful LIFE TODAY TV program and a dedicated network of believers, LIFE Outreach International epitomizes faith-driven action, bringing love, hope, and healing to a world in need.
Merchant Services Payment Solutions
Florida Merchant Services is a proud reseller of Clover™ point-of-sale payment processing machines. Clover sets the industry standard for a comfortable and intuitive user interface, with a robust set of over 300 apps that provide you with the cash flow, inventory, and sales analytics that you need to see your business thrive. Clover’s unique set of hardware options such as the Station, Mini, Mobile, and Flex provides you with an array of options so that you can choose a POS system that fits your business like a glove. Even if you are not currently in the market for a smart POS terminal, Florida Merchant Services has a fleet of traditional EMV-compatible terminals at prices that simply cannot be beaten.
IN-HOUSE CHARGEBACK TEAM
If your business has been subjected to spurious chargebacks, you need a team of agents who can go to bat for you. We will use our expansive network to resolve your disputes quickly and effectively so that your money stays in your bank account, avoiding punitive fees and damages.
FREE LOANER EQUIPMENT
Save big on start-up costs and choose Florida Merchant Services and our partners at Clover Payment Solutions. We offer our customers free basic point-of-sale equipment for the duration of your service with us. Our commitment to your success doesn’t end there, as we will install and service your Clover POS system at no additional cost to you! Contact us today to find out how you can save big and receive the best support in the industry for the lowest rates on the market!
State of the Art Credit Card Processing
No one else in Florida can match our commitment to providing our customers with the highest quality POS systems and customer support at the lowest possible rates. We are constantly updating our technology, so when it's time for you to upgrade your terminals you will have a seamless transition!
Lowest Rate Card Processing in Central Florida
At Florida Merchant Services, we are in the business of providing our customers with the lowest payment processing rates available on the market. We understand that no two businesses are alike, and will work with you to find a tailored solution that will save you money so that you can focus on the things that matter in your business.
Thousands of other businesses have already made the change to Florida Merchant Services and benefited from our low rates, so contact us today and let us start saving you money now.
Excellent Rates for Small and Mid-Sized Businesses
If you own a small business, your time and money are invaluable. You deserve a merchant services provider that will work with your best interests in mind and provide you with the highest standard of service for the lowest rates.
Your Satisfaction is Our Satisfaction
At Florida Merchant Services, we believe our job is to provide you with the kind of service that gives you the support you need to run your business exactly the way you see fit. Your business is unique and has its unique requirements from a merchant services provider, which is why we are committed to finding tailor-made solutions for your specific needs.
"Jamaar is a professional at his job. Honesty from day one. I waited a good while before writing a review just in case my service dropped off. The service became better as time went on. Jamaar always answers his phone and is always eager to help when needed. To me, Jamaar is the face of Florida Merchant Services. Lucky to have him."
Autoplexx
"Professional, knowledgeable and reliable service! The Florida Merchant Services team is always available for their customers and backed with extensive experience and resources. As a business owner & customer, there is no other organization I would rather have and trust with my merchant processing. I recommend FMS to all my clients!"
Jackie C
“Florida Merchant Service was there at a time we needed the most. We are by all means indebted to them for their fast assistance, support and efforts to keep our business open and thriving during such a crucial time. ”
Sam Bassam
Virtual Terminals
At Florida Merchant Services we make it our mission to provide you with the technology that you need to make your business competitive and keep you well-informed every step of the way. With our virtual terminal, you can easily sign in and receive real-time analytics of your business, taking the guesswork out of cash flow, payroll, and inventory management, even when you’re away.
Low-Risk, Medium-Risk, High Risk Card Processing
Risk assessment is an essential part of ensuring the success of your business and making sure that your money is exactly where you need it. With our expertise and experience in the industry, you can count on Florida Merchant Services to provide you with risk management solutions that will keep your business protected and have all of your bases covered so that you can focus on the things that matter. Call us today and let us help you stay informed and protected.
Meet Our Family
Florida Merchant Services isn't like those massive, faceless corporations you're probably used to doing business with. Though our reach and capabilities are the same, we operate as a part of our community, taking the time to get to know our clients and providing services that are designed with our neighbors' success in mind. See the difference that we can make, and give us a call today.
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Florida Merchant Services is a registered ISO of PNC Bank, N.A., Pittsburgh, PA – Member FDIC.

Florida Merchant Services is a registered ISO of Citizens Bank, N.A., Providence, RI
Florida Merchant Services is a contracted Partner of First Data (and/or Clover) Solutions. This web page or website is not an official page of First Data Corporation, Clover, its subsidiaries, or affiliated businesses.
